Dental Veneers Financing Options: Smile with Confidence

Dental veneers can be a life-changing treatment for those looking to enhance their smile. However, the dental veneers cost may be a major concern for some individuals. Fortunately, there are various financing options available to help make veneers more affordable.  Here are some of the most popular financing options that can assist you in achieving your dream smile without breaking the bank.

  1. Dental Insurance: Typically dental insurance does not cover elective cosmetic procedures like veneers. However, it’s worth checking with your insurance provider to see if any portion of the cost can be covered under your plan.
  2. Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs): FSAs and HSAs are tax-advantaged savings accounts that allow individuals to set aside pre-tax money for medical expenses. If your employer offers an FSA or if you have an HSA, you may be able to use these funds to pay for dental veneers.
  3. Payment Plans: Many dental practices offer payment plans to help patients manage the cost of dental treatments. These plans allow you to spread the payments over a designated period, typically with little to no interest.
  4. Dental Financing: Several specialized financing companies cater specifically to dental procedures. These companies provide loans or credit lines as well as flexible repayment options, competitive interest rates, and quick approval processes.
  5. Personal Loans or Credit Cards: Another option to consider is obtaining a personal loan from a bank or credit union. Personal loans generally have fixed interest rates and monthly payments. Alternatively, you could use a low-interest credit card to finance your treatment, especially if you have a good credit score and can pay off the balance within a promotional period with no interest.
  6. Dental Schools: Dental schools or clinics associated with dental education programs often offer discounted rates for various dental procedures. While the treatment may be performed by dental students under the supervision of experienced faculty, it can provide a cost-effective option for those seeking affordable treatments.
  7. Savings or Installment Plans: If you have enough time to plan ahead, creating a personal savings plan can help you save up for your desired veneer treatment. Set aside a fixed amount each month until you reach your target savings goal. Additionally, some clinics may offer installment plans that allow you to pay gradually over time.

Don’t let financial concerns hold you back from achieving the smile you’ve always wanted. Speak with a financial advisor about which financing option is right for you.

Content written by Emily Wagner, MS |Reviewed by Greg Grillo, DDS | Last updated 6/5/2023

Article Sources

• Martin, Allison. Types of personal loans and their uses. Bankrate, (June 6, 2023). Available from
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• National Institutes of Health. The difference between a Flexible Spending Account (FSA) and a Health Savings Account. Available from